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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.


Critical illness insurance

cancer, stroke or heart attack translates to extra expenses not covered by regular medical insurance

Critical illness insurance is a supplemental insurance that covers specific medical conditions like cancer, heart disease and stroke. It is estimated that a majority of U.S. bankruptcies and home foreclosures can be traced to a catastrophic medical event. The U.S. Department of Health and Human services estimates that about 75% of those who were without health insurance for more than six months and then covered by a federally funded insurance plan were cancer patients.

Critical illness translates to tens of thousands of dollars in lost income, uncovered medical expense and other foreseen financial challenges. The additional insurance benefits, paid directly to you in cash to use as necessary, go a long way toward addressing these additional expenses. Assurant Emplpyee Benefits writes "Thirty years ago, the family of a victim of a heart attack or stroke was more likely to have to contend with the loss of a loved one. Now, (according to CDC mortality statistics) advances in medicine, prevention, improvement in early detection and other health care innovations have led to higher survival rates of these and other critical illnesses. With the improved survival rate from catastrophic illnesses often comes the necessity of continuing medical care and related expenses. Today, the average cost of survival for a heart attack or stroke patient is $100,500 (according to American Heat Association, 2010). Unfortunately, many of these costs are not covered by standard medical insurance". Dr. Polly Galbraith sums up the current situation saying “Higher survival rates should be celebrated, not the cause of added anxiety.”

Freedom Benefits offers critical illness insurance coverage underwritten by Zurich American through Consumers Direct. This association benefit plan is one of the few critical illness policies available to consumers outside of an employer-sponsored plan.

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.